I like to take advantage of read's prompt when I am able. Also, it's usually preferable to use printf over echo. For my part I would arrange matters something like this:
read -reps "Enter password: "
printf '%s\n' "" "Say what you'd like. " ""
The read command uses -r to suppress any escaped characters (usually a good practice for security reasons); it uses the -p to allow for the prompt which follows in quotes; and it uses -e (for reading by lines) and -s (silence user input).
In this example for printf each pair of quotes appears on a new line (for each string (%s) use a newline (\n)). As above, this would output three lines total. You can build this up as needed. (And if you just want a blank newline somewhere you can add printf '\n' on it's own line.)
If you follow my above read command (at the end of that line) with the name of a password, that's where read will load the user input. Otherwise, as-is, the user input will be stored in the standard REPLY variable. You may (either way) want to unset that variable after you have done with it.
read -rsp 'Password:' pass ; echo